Antonio Cardenas Email and Phone Number

• Mitigate financial risk by evaluating the current market conditions and financial health of the Petrochemical and NAO portfolio, which consist of $1.1 Billion in open credit. Maintain Credit Limits for all accounts, recommending appropriate terms of payment and ensuring additional security such as letters of credit and guarantees are in place as required.• Create strategies to effectively manage account receivables of +$500 Million/month by eliminating inefficiencies and risks in the cash cycle. Drive efforts to reduce Days Sales Outstanding by analyzing key performance indicators and helping on strategy development.• Review and negotiate agreements and contracts in line with internal guidelines and best practices with an emphasis on negotiating terms that maximizes value and mitigates contractual exposure.• Successfully led the global implementation of HighRadius, which is an integrated receivables platform that reduces cycle times in the order-to-cash process through the automation of collection and credit tasks. We achieved significant improvements in operational efficiencies, risk management, and cash-flow optimization, while also allowing for standardization of processes to drive best practices globally. The automation and efficiencies gained were instrumental to our company being able to successfully navigate the COVID lockdowns and restrictions.

• Establish and maintain credit limits for all accounts with credit limits larger than $250K for the the United States and Canada. • Recommend and implement business strategies to minimize risk and still obtain a customer’s business in situations where extending credit is not feasible by utilizing tools such as payment in advance, guarantees, and letters of credit.• Analyze changes and other factors that affect the oil and gas industry, such as commodity price, environmental issues, and changes in financial markets, and understand the financial impact on the customer and how it affects our risk exposure. Implement a business strategy to minimize and if possible eliminate any financial risk for Halliburton. • Develop and maintain relationships with the CFO’s and F&A Executives of our customer base to facilitate the exchange of information from the customer that could aide in more sound credit decisions.

• Responsible for acquiring customer financial and credit information and implementing policies and procedures to evaluate credit worthiness and recommending the establishment of new accounts to extend or revoke credit lines.• Performed annual credit reviews on existing customers that included current and projected financial condition, liquidation value, and reserve values to ensure the assigned credit limit was adequate. • Coordinate Accounts Receivable activities such as collection activities, investigating delinquent accounts, and arranging terms of payment for a commercial A/R portfolio consisting of $80 million.• Analyze trends in account performance to determine adjusting credit limits and make recommendations to release orders or hold orders on delinquent accounts.• Accountable for identifying and resolving any issues preventing customers from processing invoices such as service quality issues, pricing, shipping and purchase order concerns.• Responsible for making client site visits to collect on outstanding invoices and resolve disputed invoices to build customer relationships.• Lead coordination of mechanic, oil and gas and contractor liens, suits and other third party actions when internal collections efforts are unsuccessful.• Develop core-working relationships with customers, other Customer Financial Services personnel, Finance & Accounting, and Business Development.

• Sold retail banking products and services to customers and prospects. • Managed customer portfolio, services relationships and cross-sells all products and services. • Provided broad base of financial and credit services with the goals of acquiring 100% of the customers' business. • Developed and maintained relationships with internal business partners to maximize sales opportunities and achieve minimum sales standards. • Used profiling analysis tools to identify cross sell opportunities and makes outbound sales calls typically by phone to increase product per customer ratio.